Broad global stock and bond mix with strong diversification and slightly defensive risk profile
Report created on May 29, 2026Risk profile
4/7
Diversification profile
5/5
Positions
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VX Vanguard Total International Stock Index Fund ETF Shares
VXUS - US9219097683 40.00% -
BN Vanguard Total Bond Market Index Fund ETF Shares
BND - US9219378356 30.00% -
VO Vanguard S&P 500 ETF
VOO - US9229083632 30.00%
This portfolio is a simple three‑fund mix: about 70% in stocks and 30% in bonds. The stock side is split between a global international equity fund at 40% and a large US equity fund at 30%. The remaining 30% is in a broad investment‑grade bond fund. This structure is a classic balanced layout: one bucket for US stocks, one for overseas stocks, and one for bonds. That kind of simplicity matters because it makes the portfolio easy to understand and monitor. The clear 70/30 split gives a straightforward blend of growth potential from stocks and stabilizing influence from bonds, without lots of small satellite positions.
Growth
From mid‑2016 to mid‑2026, $1,000 in this portfolio grew to about $2,656, a compound annual growth rate (CAGR) of 10.29%. CAGR is like average speed on a road trip: it smooths out all the bumps along the way. Over the same period, the US market grew faster at 15.57%, and the global market at 12.93%, so this mix lagged both. However, the portfolio’s worst peak‑to‑trough drop was about ‑26%, noticeably milder than the roughly ‑34% drawdowns in the benchmarks. That shows a trade‑off: lower returns than pure stock indices, but also smaller and quicker‑recovered declines, largely thanks to the bond slice.
Projection
The Monte Carlo projection uses past returns and volatility to simulate many different future paths, like rolling dice 1,000 times. For a $1,000 starting amount over 15 years, the median outcome is around $2,549, with a central “likely” range of roughly $1,838 to $3,499. The average simulated annual return is 6.82%, lower than the historical 10.29%, reflecting more conservative assumptions. About three‑quarters of simulations end with a gain. These numbers don’t predict any single outcome; they just show a spread of what could happen if markets behave somewhat like they have in the past. As always, real future returns can land outside even the wide 5%–95% range.
Asset classes
- Stocks 70%
- Bonds 30%
Asset‑class wise, about 70% is in stocks and 30% in bonds. That 70/30 mix is a textbook “balanced” split, sitting between all‑stock growth and more conservative bond‑heavy setups. Stocks are the engine for long‑term growth, while bonds act like a shock absorber when equity markets fall. Relative to a pure equity benchmark, this mix naturally expects lower long‑term returns, but the bond slice should help smooth the ride during sharp downturns. The portfolio’s asset‑class diversification is strong: it combines global stocks with a broad, investment‑grade bond market fund rather than concentrating in one narrow type of fixed income. This alignment with common balanced templates is a structural positive.
Sectors
- Technology 18%
- Financials 12%
- Industrials 9%
- Consumer Discretionary 6%
- Health Care 5%
- Telecommunications 5%
- Basic Materials 4%
- Consumer Staples 3%
- Energy 3%
- Utilities 2%
- Real Estate 2%
This breakdown covers the equity portion of your portfolio only.
Across the stock portion, sector exposure is spread widely, with the largest share in technology at 18%, followed by financials, industrials, and a mix of other areas. Compared with broad global indices, this looks generally in line, with a modest lean toward technology but not an extreme tech concentration. That balance matters because sector cycles can be very different; for example, technology can be sensitive to interest‑rate changes, while utilities or staples can be steadier but slower‑growing. Here, no single sector dominates the overall portfolio, especially once the 30% bond allocation is considered. This balanced sector mix supports the high diversification score and reduces reliance on just one part of the economy.
Regions
- North America 33%
- Europe Developed 14%
- Asia Developed 6%
- Japan 6%
- Asia Emerging 5%
- Australasia 2%
- Africa/Middle East 1%
- Latin America 1%
This breakdown covers the equity portion of your portfolio only.
Geographically, the equity sleeve is clearly global: roughly one‑third in North America, with meaningful shares in developed Europe, Japan, and developed Asia, plus smaller exposures to emerging regions. That spread lines up well with global market weights rather than heavily favoring a single country. Global diversification helps because different regions can move on different cycles—policy changes, currencies, and growth rates don’t sync perfectly worldwide. In this portfolio, the international fund and US fund together provide broad coverage, so the portfolio isn’t overly tied to one foreign region either. This alignment with global standards is a strong point and supports the “Highly Diversified” score noted in the overview.
Market capitalization
- Mega-cap 32%
- Large-cap 22%
- Mid-cap 12%
- Small-cap 2%
This breakdown covers the equity portion of your portfolio only.
By market capitalization, the equity exposure skews toward mega‑ and large‑cap companies, with smaller slices in mid‑ and small‑caps. Mega‑caps make up 32% and large‑caps 22%, leaving only a modest 14% combined in mid‑ and small‑cap stocks. Bigger companies tend to be more established and often less volatile than smaller firms, though they can also grow more slowly. This cap‑size profile is very similar to broad market indices, which are naturally dominated by the largest companies. That alignment means the portfolio behaves a lot like a standard global market blend rather than a more aggressive small‑cap tilt, helping to keep risk at a balanced level for a 70/30 structure.
True holdings
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NV NVIDIA Corporation 2.36%
Part of fund(s):- Vanguard S&P 500 ETF
-
AA Apple Inc 1.94%
Part of fund(s):- Vanguard S&P 500 ETF
-
23 Taiwan Semiconductor Manufacturing Co. Ltd. 1.54%
Part of fund(s):- Vanguard Total International Stock Index Fund ETF Shares
-
MS Microsoft Corporation 1.47%
Part of fund(s):- Vanguard S&P 500 ETF
-
AM Amazon.com Inc 1.26%
Part of fund(s):- Vanguard S&P 500 ETF
-
GO Alphabet Inc Class A 1.09%
Part of fund(s):- Vanguard S&P 500 ETF
-
AV Broadcom Inc 0.96%
Part of fund(s):- Vanguard S&P 500 ETF
-
GO Alphabet Inc Class C 0.87%
Part of fund(s):- Vanguard S&P 500 ETF
-
ME Meta Platforms Inc. 0.65%
Part of fund(s):- Vanguard S&P 500 ETF
-
SS Samsung Electronics Co Ltd 0.64%
Part of fund(s):- Vanguard Total International Stock Index Fund ETF Shares
- Top 10 total 12.76%
This breakdown covers the equity portion of your portfolio only.
Looking through the ETFs’ top‑10 holdings, a handful of very large global companies appear, such as major technology and semiconductor names. Each of these shows up only via the funds, not as direct single‑stock positions, and individually they account for low single‑digit percentages of the total portfolio. Some names appear in both the US and international funds where applicable, which creates a bit of hidden concentration. However, because only about 16% of the portfolio is covered by disclosed top‑10 holdings, this overlap is likely understated. Even so, the visible picture suggests no single company dominates the portfolio’s overall risk, especially once the 30% bond allocation is factored in.
Factors
Factor exposures are estimated using statistical models based on historical data and measure systematic (market-relative) tilts, not absolute portfolio characteristics. Results may vary depending on the analysis period, data availability, and currency of the underlying assets.
Factor exposure is mostly neutral across value, size, momentum, and quality, meaning the portfolio broadly tracks market‑like characteristics there. Two factors stand out: yield and low volatility are both marked as “High” around 65%. Factor exposure is like the portfolio’s personality traits; a higher yield tilt means a stronger bias toward securities paying more income, while a low‑volatility tilt means holdings that historically moved less than the market. Together, these tilts help explain the portfolio’s relatively mild drawdown compared with pure equity benchmarks. It behaves more defensively than a standard market‑cap equity mix, which fits with the overall balanced structure and bond presence.
Risk contribution
-
Vanguard Total International Stock Index Fund ETF Shares
Weight: 40.00% 54.2% -
Vanguard S&P 500 ETF
Weight: 30.00% 41.6% -
Vanguard Total Bond Market Index Fund ETF Shares
Weight: 30.00% 4.2%
Risk contribution looks at how much each holding adds to overall ups and downs, which can differ from simple weight. Here, the international equity ETF is 40% of the portfolio but contributes about 54% of total risk, and the US equity ETF is 30% of weight and 42% of risk. The bond fund, despite being 30% by weight, adds only about 4% to risk. That means nearly all the portfolio’s volatility comes from the two stock funds. This pattern is typical: stocks drive most of the movement, bonds mostly stabilize. The key insight is that shrinking or growing the bond slice would change overall risk much more than tweaking between the two stock funds.
Risk vs. return
This chart shows the Efficient Frontier, calculated using your current assets with different allocation combinations. It highlights the best balance between risk and return based on historical data. "Efficient" portfolios maximize returns for a given risk or minimize risk for a given return. Portfolios below the curve are less efficient. This is informational and not a recommendation to buy or sell any assets.
Click on the colored dots to explore allocations.
The risk‑return chart shows this portfolio with a Sharpe ratio of 0.47, using 9.76% expected return and 12.21% volatility. The Sharpe ratio is a simple measure of risk‑adjusted return: extra return per unit of risk taken above the cash rate. The “optimal” mix of these same three funds on the efficient frontier has a higher Sharpe of 0.84 but also higher risk, while the minimum‑variance mix is much safer but with a lower Sharpe. The current portfolio sits about 1.45 percentage points below the frontier at its risk level, which means a different weighting of the same funds could in theory get more return for the same volatility. Still, the existing mix already sits in a reasonable zone between risk and caution.
Dividends
- Vanguard Total Bond Market Index Fund ETF Shares 3.90%
- Vanguard S&P 500 ETF 1.00%
- Vanguard Total International Stock Index Fund ETF Shares 2.70%
- Weighted yield (per year) 2.55%
The combined dividend yield is about 2.55%, with the bond ETF yielding around 3.9%, international stocks about 2.7%, and US stocks about 1.0%. Yield here represents annual income as a percentage of the current value, paid out through bond interest and stock dividends. Because 30% of the portfolio is in bonds and the equity funds include a wide range of dividend‑paying companies, income plays a meaningful, though not dominant, role in total return. Over time, reinvested dividends can be a powerful contributor to growth, even if they look modest year by year. The portfolio’s “High” yield factor tilt lines up neatly with this above‑average income profile.
Ongoing product costs
- Vanguard Total Bond Market Index Fund ETF Shares 0.03%
- Vanguard S&P 500 ETF 0.03%
- Vanguard Total International Stock Index Fund ETF Shares 0.05%
- Weighted costs total (per year) 0.04%
Costs are impressively low: the overall total expense ratio (TER) is about 0.04% per year. That means paying roughly $0.40 per year on every $1,000 invested in fund fees. All three ETFs are low‑cost index trackers, with the bond and US equity funds at 0.03% and the international equity fund at 0.05%. Keeping fees this low is a real structural advantage because costs compound just like returns do—but in the opposite direction. Relative to typical active funds or higher‑fee products, this fee level helps more of the portfolio’s gross performance show up in the investor’s actual results over the long run.
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